The most important objective for the investment of assets is to cover the benefits destined for the beneficiaries, which have to be guaranteed with appropriate security at all times.
To justify the investment risk accepted in line with the risk capacity of Swisscanto Flex Collective Foundation, the highest possible yield should be generated without accepting disproportionate risks. The most efficient risk spread across asset classes and markets, currencies, sectors and securities is targeted. The security-specific risk should be minimised through diversification.
With the Flex 20, Flex 30 and Flex 40 investment strategies, Swisscanto Flex Collective Foundation offers a wide range of investment options. The numbers 20, 30 and 40 no longer stand for the long-term targeted equity component. Instead, the actual equity component of each investment strategy is shown in the reports. The Flex RK investment pool is reserved for the pensioners' pension fund, but is almost identical to the Flex 20 strategy.
Our 'Flex collective' product is a group pension solution which invests exclusively in the defensive Flex 20 investment pool. 'Flex individual' customers can choose a specific investment pool. The investment pool selected by an affiliated company largely depends on its risk capacity. This risk capacity depends to a large extent on the pension fund's funding ratio, but also on the composition of the portfolio of insured persons and the accrued reserves. If the required target value fluctuation reserves have been raised, switches between investment pools can be made every year.